An unusually quiet hurricane season in the U.S. this year is likely to ease property-insurance prices in 2026, analysts say.
Market experts project a drop — or at least a slower increase — in the cost of reinsurance, which insurers buy as protection against major losses.
The small number of major disasters in 2025 contrasts with the growing number and intensity of hailstorms, hurricanes and wildfires in recent years, which drove up reinsurance costs and property-insurance rates in the United States.
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The relatively small property damage this year is making reinsurance, and therefore insurance, cheaper in 2026 — but not in subsequent years.
